Tips for Choosing the Best Credit Cards for Your Spending Habits
Tips for Choosing the Best Credit Cards for Your Spending Habits
Blog Article
Steps to Select the Top Credit Cards for Your Lifestyle
Understanding the credit card benefits landscape can be confusing with so many alternatives available, each offering different rewards, incentives, and perks. We have streamlined the process to make it easier to start in less than 5 minutes, with perpetual monitoring so that you are always informed if there are improved choices for you.
**Analysing Your Spending Habits**
The first step is to analyze your monthly expenses across different categories such as:
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- Digital payments
- Wireless transactions
- Food and beverage expenses
- International payments
- Other expenditures
This information helps us identify your spending patterns and identify the most suitable group of credit cards based on your spend.
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**Custom Credit Card Recommendations**
Next, our automated tool compares your spending patterns with our repository of credit cards to estimate the potential rewards you could earn from various credit cards, considering factors like incentive percentages, caps, and exclusions.
We keep a current repository of credit card offers from all leading banks and providers in Singapore, including air miles and rebate options as well as Enrollment Offers.
We also provide options for further optimization such as only looking at cards from specific banks or no-fee options for the first year.
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**Continuous Monitoring and Recommendations**
Since card benefits can change over time, our platform regularly refreshes its recommendations based on your usage patterns and informs you of changes to optimize your setup to maximize your benefit accrual. This proactive method ensures you always have the ideal set of cards to gain the most advantages.
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